No Credit Check Catalogues

Catalogues which offer finance with no credit checks are hard to find. This is because without knowing your credit rating a store can't easily determine whether or not you're reliable when it comes to making payments on time. Some retailers have found a way around this by allowing you to submit recent bank statements as proof of your credit worthiness. As long as you can prove you have a constant source of income you will likely be accepted. Here we have found the UK catalogues that offer credit options without a credit check as well as a large number of stores that offer finance to people with bad credit.

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Want a new laptop on finance with no credit check? Or a new sofa or washing machine? Check out the places where you can find these great deals by clicking on the product below.

Credit Rating

Your credit rating is a score based upon your history of borrowing and paying back money. So, if you've never borrowed money in your life then your credit score is going to be low. A bad credit rating is usually the result of missed payments in relation to credit cards, bank loans and mortgages.

Interest Charges

When applying for a catalogue with no credit check you will be subject to higher interest rates than if you had been credit checked. However, as long as you pay back what you owe on time then you will begin to rebuild your credit history and should have no trouble getting accepted elsewhere.

UK Catalogues

UK catalogues are a great place to start when trying to repair your credit rating. This is because they have much higher approval rates and some of them don't do a credit check but simply ask for 3 months worth of bank statements instead. They also offer pay monthly or weekly credit options.